{\footnotesize \begin{tabular}{l c c c c c c c} \hline \toprule         & \multicolumn{3}{c}{\textbf{9-16 Quarters After Filing}}         & & \multicolumn{3}{c}{\textbf{17-24 Quarters After Filing}} \\
\cmidrule{2-4} \cmidrule{6-8}
& $ {\scriptsize \mathbb{E}[Y \vert E=0]}$ & OLS & IV         & & $ {\scriptsize \mathbb{E}[Y \vert E=0]}$ & OLS & IV \\
& (1) & (2) & (3) & & (4) & (5) & (6) \\
\cline{2-4} \cline{6-8}
& & & & & & & \\
\textbf{Financial health index:} & 0.077                & -0.103***               & -0.214***                                                         & & 0.180              & -0.106***               & -0.262** \\
& (0.749)              & (0.004)               & (0.066)                                                         & & (0.751)    & (0.005)               & (0.124) \\
& \multicolumn{3}{r}{[306,223]}                                & & \multicolumn{3}{r}{[197,230]} \\
\textit{By Location}     & & & & & & & \\
~~~Cook County           & 0.045                & -0.139***               & -0.275***                                                         & & 0.166              & -0.145***               & -0.212* \\
& (0.997)              & (0.006)               & (0.102)                                                         & & (1.031)    & (0.006)               & (0.117) \\
~~~New York                      & 0.108                & -0.068***               & -0.154*                                                         & & 0.195              & -0.067***               & -0.313 \\
& (1.117)              & (0.006)               & (0.083)                                                         & & (1.092)    & (0.008)               & (0.219) \\
\midrule
& & & & & & & \\
\textbf{Credit score:}   & 557.59                & -8.01***               & -16.78***                                                         & & 564.60              & -9.50***               & -14.30 \\
& (67.14)              & (0.35)               & (6.29)                                                         & & (73.66)    & (0.42)               & (12.98) \\
\textit{By Location}     & & & & & & & \\
~~~Cook County           & 543.01                & -8.84***               & -18.01**                                                         & & 552.06              & -9.58***               & -5.90 \\
& (75.70)              & (0.40)               & (8.42)                                                         & & (79.55)    & (0.43)               & (9.18) \\
~~~New York                      & 572.17                & -7.18***               & -15.55*                                                         & & 577.14              & -9.41***               & -22.70 \\
& (110.90)              & (0.57)               & (9.34)                                                         & & (124.00)    & (0.73)               & (24.28) \\
\midrule
& & & & & & & \\
\textbf{No open revolving account:}      & 0.453                & 0.037***               & 0.045                                                         & & 0.430              & 0.036***               & 0.093* \\
& (0.322)              & (0.002)               & (0.034)                                                         & & (0.334)    & (0.003)               & (0.056) \\
\textit{By Location}     & & & & & & & \\
~~~Cook County           & 0.579                & 0.041***               & 0.038                                                         & & 0.541              & 0.043***               & 0.060 \\
& (0.489)              & (0.003)               & (0.054)                                                         & & (0.496)    & (0.003)               & (0.075) \\
~~~New York                      & 0.327                & 0.034***               & 0.053                                                         & & 0.318              & 0.029***               & 0.126 \\
& (0.421)              & (0.002)               & (0.041)                                                         & & (0.447)    & (0.004)               & (0.082) \\
\midrule
& & & & & & & \\
\textbf{Total balance: collections and delinquencies:}   & 2,212                & 50**               & 847**                                                         & & 2,113              & 44               & 730 \\
& (3,584)              & (21)               & (335)                                                         & & (3,870)    & (27)               & (730) \\
\textit{By Location}     & & & & & & & \\
~~~Cook County           & 2,199                & 30               & 1,234**                                                         & & 2,064              & 34               & -56 \\
& (4,956)              & (29)               & (535)                                                         & & (4,890)    & (34)               & (697) \\
~~~New York                      & 2,226                & 70**               & 460                                                         & & 2,162              & 54               & 1,516 \\
& (5,179)              & (31)               & (404)                                                         & & (6,000)    & (42)               & (1,283) \\
\midrule
& & & & & & & \\
\textbf{Any auto loan or lease:}         & 0.201                & -0.026***               & -0.029                                                         & & 0.202              & -0.024***               & -0.083* \\
& (0.282)              & (0.001)               & (0.028)                                                         & & (0.283)    & (0.002)               & (0.045) \\
\textit{By Location}     & & & & & & & \\
~~~Cook County           & 0.193                & -0.048***               & -0.050                                                         & & 0.212              & -0.046***               & -0.177*** \\
& (0.391)              & (0.002)               & (0.046)                                                         & & (0.407)    & (0.002)               & (0.058) \\
~~~New York                      & 0.208                & -0.004*               & -0.009                                                         & & 0.191              & -0.002               & 0.011 \\
& (0.406)              & (0.002)               & (0.034)                                                         & & (0.393)    & (0.003)               & (0.068) \\
\bottomrule \\
\end{tabular} }
